Mortgage Default

The Polk County Mortgage Assistance Program administered by HANDS of Central FL, Inc. is now Closed as of 4/19/2024. Since 4/15/2022 this program assisted 130 unduplicated households with $890,000 in mortgage payments of up to 6 months (max. $12,000) that prevented mortgage default after a COVID hardship.

Need Housing Counseling?

HANDS is here to assist you in improving your credit and maintaining a budget to help you qualify for an affordable home loan. HANDS provides comprehensive, private housing counseling sessions in Orlando and the mass homeownership education seminars necessary to receive down payment assistance (like NSP and SHIP) from Central Florida cities and counties. We also help families avoid mortgage foreclosure and predatory loans. Foreclosure prevention counseling is always FREE regardless of household income.

Our agency also operates an Affordable Housing Resource Center through this website, providing information and counseling session scheduling, all mostly free of cost, to very-low, low and moderate income persons in search of affordable rentals and homes. The organization serves over 4,000 Central Florida residents per year, mainly residents of Orange, Osceola, Seminole and Lake Counties.

HANDS unfortunately does not provide shelter information for families with monthly income less than $800.  

>>> Click Here for a List of Shelters

For food, clothing, and other resources contact _______ or dial (407) 839-HELP (4357).